Center Moriches, NY
How exposed is Center Moriches to wildfire?
USFS's Wildfire Risk to Communities model puts Center Moriches at the 48th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 3,927 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Center Moriches at the 46th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Center Moriches's buildings actually sit
Only 36% of Center Moriches's 3,927 buildings carry Direct exposure and 6.7% carry Indirect; the remaining 57.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Center Moriches ranks
Center Moriches's 93rd-percentile standing inside New York outpaces its 48th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Center Moriches ranks 16,271 for wildfire risk (1 is highest) and 4,311 by building count (1 is largest). Within New York alone, it ranks 97 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
What this risk score means for insurance
Center Moriches's elevated wildfire rating (48th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 57.3% of buildings rated Minimal exposure, Center Moriches gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Center Moriches's figures come from
Every one of the two percentiles behind Center Moriches's 16,271-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Center Moriches's dominant minimal exposure actually means, with real examples from across the dataset.